# Non-resident mortgages by bank

For a €250,000 purchase and €235,000 valuation, cash examples include 12% purchase costs and use each bank's published LTV base.

**Canonical HTML URL:** https://getwherenext.com/property/buy#non-resident-mortgages

Bank-published terms are used where available. Comparator and mortgage-broker figures retain secondary confidence; "Not published" is never estimated. Commercial mortgage policies can change, so confirm terms in the lender's FIPRE or FEIN before applying.

## Spain

| Bank | Max LTV | LTV base | Non-EU buyers | Max term | Age cap | Rates | Cash needed on €250,000 |
|---|---:|---|---|---:|---:|---|---:|
| Banco Sabadell | 70% | Not published | Yes | 20 years | 75 | fixed, mixed, variable | Not published |
| Banco Santander | 70% | Not published | Not published | 20 years | Not published | fixed, variable — Fixed from 3.59%; variable from 1.75% in year one then Euribor + 1.15% with discounts (HelpMyCash, 2026-08-03) | Not published |
| Bankinter | 60% | Not published | Not published | 25 years | Not published | fixed, variable | Not published |
| BBVA | 70% | Not published | Not published | 25 years | Not published | Not published | Not published |
| CaixaBank (HolaBank) | 70% | of the purchase price | Yes | 20 years | Not published | fixed, variable — Representative fixed example: 3.35% NIR / 3.949% APR without discounts (displayed 2026-09-02) | €105,000 |
| Cajamar | 60% | Not published | Not published | 20 years | Not published | fixed — Fixed 4.15% NIR, or 3.15% with discounts (hipotecas.me, 2026-09) | Not published |
| UCI | 70% | of the purchase price | Yes | 30 years | Not published | fixed, mixed, variable | €105,000 |

## Portugal

Banco de Portugal caps (effective 1 August 2026): own home ≤90% LTV; other purposes ≤80% LTV; DSTI ≤45%; stress shock +0.5 pp to 5 years, +1.0 pp over 5–10 years, and +1.5 pp over 10 years; maximum maturity 40 years at age 35 or under and 35 years over 35. LTV uses the lower of purchase price and valuation.

Euribor monthly averages: July 2026: 3M 2.425%, 6M 2.647%, 12M 2.855%; August 2026: 6M 2.713%, 12M 2.954%.

| Bank | Max LTV | LTV base | Non-EU buyers | Max term | Age cap | Rates | Cash needed on €250,000 |
|---|---:|---|---|---:|---:|---|---:|
| Banco BPI | 70% | of the bank valuation | Yes | 30 years | 75 | fixed, mixed, variable — Variable TAN 3.463% with contracted products or 4.213% base; fixed 30-year TAN 4.350% contracted or 5.100% base; mixed 3-year TAN 2.950% contracted or 3.700% base (2026-09) | €115,500 |
| Novobanco | 80% | of the lower of price and valuation | Yes | 30 years | 75 | fixed, variable — Variable TAN 3.655% with associated products (July 2026 12-month Euribor 2.855% + 0.80% spread) or 4.255% without associated products (2026-07) | €92,000 |
| Santander Portugal | 75% | Not published | Yes | 40 years | 75 | mixed, variable — Variable TAN 4.613% at the 1.90% base spread; product-linked spreads range from 0.50% to 1.90%, with mixed 2-year and 4-year options (2026-08) | Not published |
| UCI Portugal | 70% | of the purchase price | Yes | 30 years | 75 | mixed, variable — Variable TAN 4.287% (July 2026 6-month Euribor 2.647% + 1.640% spread); mixed TAN 4.150% fixed for 5 years then 6-month Euribor + 1.640% (2026-08) | €105,000 |

## Source
- Banco Sabadell: https://www.rankia.com/blog/mejores-hipotecas/7073270-hipoteca-no-residentes-sabadell (Rankia (comparator); source date 2026-06-30; secondary; verified 2026-09-01).
- Banco Santander: https://www.helpmycash.com/hipotecas/santander/hipoteca-mundo-para-no-residentes (HelpMyCash (comparator); source date 2026-08-03; secondary; verified 2026-09-01).
- Bankinter: https://www.bankinter.com/banca/nav/bancarios-extranjeros-expatriados/no-residentes (Bankinter; source date undated; primary; verified 2026-09-01).
- BBVA: https://twipoteca.com/no-residentes/no-residentes-bbva (Twipoteca (mortgage broker); source date undated; secondary; verified 2026-09-01).
- CaixaBank (HolaBank): https://www.caixabank.es/particular/holabank/holabank-mortgage.html (CaixaBank (HolaBank product page and HolaBank Home Guide); source date undated; primary; verified 2026-09-01).
- Cajamar: https://www.hipotecas.me/bancos/hipoteca-no-residente-cajamar (hipotecas.me (mortgage broker); source date 2026-09; secondary; verified 2026-09-01).
- UCI: https://uci.es/es/tipos-de-hipotecas/hipotecas-para-no-residentes (UCI (Unión de Créditos Inmobiliarios); source date undated; primary; verified 2026-09-01).
- Banco BPI: https://www.bancobpi.pt/particulares/credito/credito-habitacao/estrangeiros-nao-residentes (Banco BPI; source date 2026-09; primary; verified 2026-09-02).
- Novobanco: https://www.novobanco.pt/en/personal/mortgage/non-resident-foreigners (Novobanco; source date 2026-07; primary; verified 2026-09-02).
- Santander Portugal: https://www.santander.pt/salto/eng/mortgage-in-portugal (Santander Totta; source date 2026-08; primary; verified 2026-09-02).
- UCI Portugal: https://uci.pt/en/mortgages/mortgages-in-portugal (UCI Portugal; source date 2026-08; primary; verified 2026-09-02).
- Country context: https://clientebancario.bportugal.pt/pt-pt/avaliacao-da-solvabilidade (primary).
- Country context: https://www.bportugal.pt/sites/default/files/anexos/instrucoes/479974278_1.docx.pdf (primary).
- Country context: https://bpstat.bportugal.pt/api/observations/?series_ids=13168436%2C13168438%2C13168437 (primary).
- Country context: https://www.santander.pt/credito-habitacao/credito-habitacao-jovem (primary).
- Country context: https://www.bancoctt.pt/o-seu-credito/comprar-casa (primary).

## Licence
CC BY 4.0 — cite as "WhereNext non-resident mortgage terms by bank (2026)" linking to https://getwherenext.com/property/buy#non-resident-mortgages.